Royal Enfield Himalayan Insurance

Royal Enfield Himalayan is a luxury bike that offers a royal ride. It is built with robust machinery but with a simple and functional design. This motorcycle comes in 6 variants and 6 colours which all are the blend of attraction and adventure. The Royal Enfield Himalayan attains an engine capacity of 411 cc which produces 24.83 PS of power and 32 Nm of torque. This BS6 compliant bike tends to give a mileage of 30 kmpl, which distinguishes it from other luxurious bikes. Some salient specifications of this bike comprise double disc brakes, dual channel ABS system, self start only, 12 V, 8 Ah battery capacity, and so on.

You should own at least a third party bike insurance cover while driving a bike in India, as per the Indian Motor Tariff. This policy provides you compensation against the financial liabilities towards a third party that may arise due to an accident with the involvement of your bike. Driving a bike without holding at least a liability only insurance plan can get you penalised with a fine of Rs. 2,000 and/or imprisonment of up to 3 months.

Benefits of Buying Royal Enfield Himalayan Insurance from InsuranceDekho

Purchasing your Royal Enfield Himalayan bike insurance through InsuranceDekho offers several advantages that can enhance your insurance buying and managing experience. Here are some key benefits:

1. Wide Range of Choices: InsuranceDekho collaborates with various insurers, providing a broad spectrum of insurance options. This allows you to compare different policies and select one that best suits your requirements and budget.
2. Easy and Convenient Process: The entire process of selecting and buying insurance on InsuranceDekho is online, which saves time and offers convenience. You can complete the process from anywhere, without the need for physical visits to an insurance office.
3. Tailored Insurance Solutions: You have the flexibility to customize your insurance policy based on your specific needs. Whether it's opting for comprehensive coverage, adding specific riders, or adjusting the Insured Declared Value (IDV), InsuranceDekho provides the options you need.
4. Instant Policy Issuance: Once you have selected your insurance plan and completed the payment, your policy is issued instantly. The digital copy of the policy is sent to your email, ensuring immediate coverage.
5. Expert Assistance: InsuranceDekho offers expert guidance to help you make informed decisions. If you have questions or need advice, their team is available to assist you.
6. Transparent Process: The platform operates with complete transparency. There are no hidden costs or charges, and the details about premiums and coverage are clearly presented.
7. User-Friendly Interface: InsuranceDekho’s website is designed to be intuitive and easy to navigate, making it accessible even for those who are not tech-savvy.

By choosing InsuranceDekho for your Royal Enfield Himalayan bike insurance, you get a hassle-free, transparent, and informed insurance buying experience, ensuring that your bike is adequately protected according to your needs.

Types of Insurance Cover for Royal Enfield Himalayan

1. Third Party Cover – A third party or liability only insurance cover is compulsory to own by every bike owner. It offers you protection against the expenses, which you may incur towards a third party, for bodily injury, death or property damage arising due to an accident with your bike. Under this plan, the compensation for the property damage is limited to Rs. 1 lakh.
2. Standalone Own-Damage Cover – It is a bike insurance cover meant to shield you from the financial expenses arising out due to the damage or loss incurred by your own bike in an accident or any kind of mishap.
3. Comprehensive Cover – This is a comprehensive bike insurance cover that compensates your financial liabilities incurred by you towards a third party as well as for expenses of own damage sustained by your bike in an accident or any unfortunate incident.

What is Covered in Royal Enfield Himalayan Bike Insurance?

Insurance for the Royal Enfield Himalayan bike typically includes a range of coverage options to protect against various risks. The scope of coverage generally encompasses the following:

• Accidental Damage: Coverage for damages to your Royal Enfield Himalayan resulting from accidents, ensuring repairs or replacement costs are covered.
• Natural Disasters: Protection against natural calamities like floods, earthquakes, and storms, which can cause significant damage to the bike.
• Man-Made Disasters: This includes damages due to riots, theft, vandalism, and other man-made events.
• Third-Party Liability: Covers legal liabilities arising due to injuries or damages caused to a third party or their property by your bike.
• Personal Accident Cover: Provides a safety net in the unfortunate event of injury or death of the rider while using the bike.
• Engine Protection: As an optional add-on, it covers damage to the engine, which can be crucial for bikes like the Royal Enfield Himalayan, especially in areas prone to waterlogging.
• Roadside Assistance: Another add-on, this feature offers assistance services like towing, fuel delivery, and minor on-site repairs in case of breakdowns or emergencies.

The exact coverage details can vary based on the policy type (third-party or comprehensive) and the insurer’s specific offerings. It's advisable to review the policy document for precise coverage information.

What is Not Covered in Royal Enfield Himalayan Bike Insurance?

When it comes to insurance for the Royal Enfield Himalayan, there are certain standard exclusions that policyholders need to be aware of. These typically include:

• General Wear and Tear: The natural aging and regular wear and tear of the bike, including depreciation, is not covered under the policy.
• Mechanical or Electrical Breakdowns: Failures due to mechanical or electrical malfunctions that are not a result of an insured event are excluded from coverage.
• Damages Under Influence: Any damage caused while the rider is under the influence of alcohol or drugs is not covered by the insurance.
• Riding Without a Valid License: If the bike is being ridden by someone without a valid driving license at the time of the incident, the damages incurred will not be covered.
• Illegal Use: Damages occurring while using the bike for unlawful activities or for purposes not covered under the policy, such as racing or commercial use, are excluded.
• Unauthorized Modifications: Modifications made to the bike without the insurer’s knowledge or approval, especially those that may affect its performance or risk profile, can lead to claim rejection.
• War and Nuclear Risks: Events like war, nuclear risks, and related scenarios are typically not covered under standard bike insurance policies.

Being aware of these exclusions is essential for Royal Enfield Himalayan owners to ensure that their expectations align with the realities of their insurance coverage. This knowledge also helps in taking the necessary precautions to maintain valid and effective coverage.

How to Buy Insurance for Royal Enfield Himalayan Bike from InsuranceDekho

Visit the website of InsuranceDekho to get insurance solutions for your bike insurance cover. Follow the below steps to buy an insurance plan for your Royal Enfield Himalayan bike:

Step 1: Visit the official website of InsuranceDekho

Step 2: Fill your bike number in the “Get Your Quote” column. However, you can also fill in other details like bike brand, bike model, bike variant, registration year, RTO location, etc., if you do not know your bike number

Step 3: Fill your name and mobile number to get the bike insurance quotes

Step 4: Compare and choose a policy quote as per your budget and requirements

Step 5: Pay for the chosen policy. You will find the policy document through an email.

Royal Enfield Himalayan Bike Insurance Claim Process

Cashless Bike Insurance Process

The process of cashless bike insurance claims is designed to help you get your bike repaired without paying any amount at the network garage of your insurance company. Under this process, the repair cost is settled by the insurance company. Here is the process of a cashless claim for your Royal Enfield Himalayan bike:

• Intimate your insurer as early as possible after an accident or mishap by calling the customer support staff of your insurer or by visiting their website or through their mobile app.
• Share all the details of the incident to the police and register an FIR, especially in case of accident, fire, theft, etc.
• Click some photos of damages sustained by your insured bike, bodily injuries, and any other damage, etc., after the accident to procure them as a vital proof for the settlement of the claim.
• Search a network garage near your location and take your bike there for cashless repair. You can also get in touch with your insurer to arrange towing facilities, in severe condition.
• As your bike reaches the network garage, a surveyor will be sent by the insurance company to assess the extent of damages suffered by your bike. Here you must show relevant documents like registration certificate, policy copy driving license, FIR, etc., to the surveyor.
• The surveyor will prepare and submit a report stating the estimate of the claim. On the basis of the surveyor's report and documents submitted, the insurer will approve or reject your claim.
• If your insurer gives approval, the network garage will start repairing your bike. After the completion of repair work, your insurer will settle the repair bills directly with the garage.

Reimbursement Bike Insurance Process

The reimbursement claim process is designed to make you pay for your repair bills initially and then reimburse it after you raise a claim. Here is the process to raise reimbursement claim for your Royal Enfield Himalayan bike:

• Inform your insurance company about the event and register your claim.
• Take your bike to any garage or workshop after the accident or mishap for repair.
• Your insurer will send a surveyor to the garage to access the extent of damages of your bike.
• A claim report will be prepared and submitted to your insurance company by the surveyor.
• The garage will start repairing your bike and you will have to pay the generated repair bill.
• Submit the original repair invoice, relevant documents and a claim form to your insurer.
• After examining your bills, claim form, etc., your insurer will reimburse your claim amount.

How to Renew Insurance for Royal Enfield Himalayan from InsuranceDekho?

Renewing your Royal Enfield Himalayan bike insurance through InsuranceDekho is a straightforward process, ensuring your bike remains protected without any coverage gaps. Here's how you can accomplish this:

1. Visit InsuranceDekho: Start by navigating to the InsuranceDekho website. This online platform is designed for ease of use, making insurance transactions smooth and hassle-free.
2. Log Into Your Account: If you already have an account with InsuranceDekho, sign in using your credentials. If not, you might need to register using your bike's details and existing policy information.
3. Access Your Dashboard: Once logged in, go to your account dashboard. Here, you'll find a list of your policies, including your Royal Enfield Himalayan bike insurance.
4. Select Renewal Option: Locate your current Royal Enfield Himalayan insurance policy and choose the renewal option. This is usually clearly indicated near your policy details.
5. Review and Update Policy Details: Before proceeding, review your policy for any necessary changes or updates. Consider if you need to add new add-ons, adjust the Insured Declared Value (IDV), or update personal details.
6. Compare and Choose Plans: InsuranceDekho allows you to compare various plans and insurers. Take this opportunity to see if there's a more advantageous plan available for your Royal Enfield Himalayan.
7. Proceed to Payment: Once you’ve finalized the plan and confirmed the renewal details, proceed with the payment process. Payment can typically be made online via various secure methods.
8. Download the Renewed Policy: After the payment is processed, you can download the updated policy document directly from the website.
9. Customer Support: Should you face any issues or have any queries during the process, InsuranceDekho’s customer support team can provide assistance.

Renewing your bike insurance on time through InsuranceDekho not only ensures continuous protection but also keeps you legally compliant on the road.